The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,693
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,025
−HK$338/mo
Today · 4.125%
HK$11,363
baseline
▲ 0.50% · 4.625%
HK$12,055
+HK$692/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,726/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,895
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,214
−HK$324/mo
Today · 4.125%
HK$12,538
baseline
▲ 0.50% · 4.625%
HK$13,199
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,076/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,831
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,230
−HK$406/mo
Today · 4.125%
HK$13,636
baseline
▲ 0.50% · 4.625%
HK$14,465
+HK$829/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,272/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,274
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,657
−HK$389/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,839
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,092/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,970
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,435
−HK$473/mo
Today · 4.125%
HK$15,908
baseline
▲ 0.50% · 4.625%
HK$16,876
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,816/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,654
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$453/mo
Today · 4.125%
HK$17,553
baseline
▲ 0.50% · 4.625%
HK$18,479
+HK$926/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,106/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,247
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,845
−HK$609/mo
Today · 4.125%
HK$20,454
baseline
▲ 0.50% · 4.625%
HK$21,698
+HK$1,244/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,908/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,412
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,986
−HK$583/mo
Today · 4.125%
HK$22,569
baseline
▲ 0.50% · 4.625%
HK$23,758
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,138/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,421 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).